How about you only have 2 choices in reality. If we are playing your hypothetical game then we can ignore reality.
I'm not playing a game, and it's not hypothetical. I don't understand why you'd
want someone else to be responsible for you. Assigning them that responsibility gives them power over you. It justifies them superseding your personal, potentially
irresponsible, decisions.
To wit: how can you hold an employer responsible for their employees having enough to live on if they have no control over their employee's family budgets? Should the employer pay the compulsive gambler more because they piss all their money away on bad bets? Or should the employer have the power to dictate how much the family spends on food and entertainment, so as to ensure they have enough to support themselves?
When you make someone else responsible for your well-being, you give them power over you. You essentially put yourself in the position of the slave, someone who is dependent on the generosity, and subject to the abuse, of whoever is 'responsible' for them.